A benefit prediction requirement may be received and associated benefit data from a plurality of sources may be obtained. The benefit prediction requirement may be associated with determining a probability of a benefit being surrendered by a benefit user. Further, a plurality of benefit attributes may be identified and mapped with benefit user data to create a benefit surrender database. From the benefit surrender database, a survival probability and a hazard probability may be determined and benefit assessment data may be created therefrom. Based on the benefit assessment data, a benefit surrender prediction model including a surrender probability may be created and a surrender pattern of the benefit user may be determined. Furthermore, a benefit surrender result may be generated and a remedial action in response to the benefit prediction requirement may be performed.